What does P2P mean for a benign exit?

A benign exit refers to the smooth closure of the P2P platform, rather than an irresponsible practice such as choosing to run away, which corresponds to the problematic platform. For some platforms that have to leave the market, if they are in stable operation, they should gradually reduce the scale of their business, repay the loan on time, and return the funds to investors one after another. On the other hand, many problematic platforms run away because of a problem with one project, and other projects do not have problems.

Therefore, in operation, designing a risk compensation and sharing mechanism in advance will help strengthen the protection of depositors.

A benign exit is to return all the investors' money, so that everyone's money will not be cheated.

Since it is a benign exit, it is different from the platform running, the latter is to run away directly regardless of the investor, while the benign exit is to wait until the investor's principal is paid before ceasing operation. Therefore, as long as a P2P platform claims to have a benign exit, then theoretically investors can get their principal back.

However, in the actual process, it is not so smooth, and even some platforms are just under the guise of a benign exit, but in order to stabilize investors, they are preparing to run away or transfer assets behind their backs.

Among them, investors such as Grizzly Bear Financial Services less than 5,000 yuan will be directly cashed 100%, investors from 5,000 to 10,000 yuan will be cashed 20% every month, and more than 10,000 yuan will be cashed 10% every month, and all projects will be fully cashed before October 31. In other words, small users do not need to wait for the return of money, and large users have to wait for up to 5 months.

And like Woshi loan back is not bad at all, not only set the redemption plan to 36 months, but also give a plan to convert into offline store equity, in short, if you want to get the money, wait slowly for 3 years, don't take it if you don't want to wait.

Therefore, not all benign exits are so conscientious, and there are many routines in the process of returning money.

Summary. Hello, the return of funds means that the institution returns all or part of the funds to the individual, and the return means the return of the cleanup.

Dear, hello, I am a Haihai life tutor, I am happy to answer for you, I hope it will help, here for you to consult the P2P Qingyou and return refers to the P2P platform after the explosion of the company's assets, the recovery of the relevant responsibility part of the responsibility, the collection of overdue arrears, and then all the funds are used to pay the investor's due project, and go through the relevant legal procedures to complete the exit of the platform.

So what does that word mean to me.

Hello, the return of funds means that the institution returns all or part of the funds to the individual, and the return means the return of the cleanup.

Is it me who owes him money or.

Hello, the P2P online lending platform is an Internet lending intermediary platform, and the platform acts as a financial intermediary. Have you used this software?

My bank card has no payment history.

Hello, if you are not using a P2P loan, this has nothing to do with you, don't worry.

In fact, the benign exit of the platform is equivalent to bankruptcy, and generally speaking, it means that you can't get a penny back, so this kind of thing is really cautious, and generally speaking, if you are prosecuted and sentenced, you will be prosecuted for the crime of illegal fundraising, and the crime of illegal fundraising does not have any principal repayment, so the country's policy in this regard is simply terrible.

There are few platforms that can exit benignly, and now the policy is to ban them. The platform that collects large amounts of money is slowly withdrawn, and the industry is coming to an end. If the platform does not pay the money, it will file a case, and the loss of illegal fundraising will be borne by itself, which is such a policy.

P2P benign exit is in the online loan platform operation problems, announced withdrawal from the online loan business, but in the exit of Senlu will promise not to run away, not to lose contact, at the same time as soon as possible to continue to complete the payment of investors' funds in installments, generally in the release of the benign exit announcement will explain that the investor's money is cashed in several times, at this time the investor can only get the investment funds in installments.

Generally, when the platform announces a benign exit, users can save the relevant information in their investment, such as account information, transfer information, and the name of the target, which is conducive to recovering funds.

In order to avoid the situation of the platform withdrawal after investment, it is best for users to choose a relatively large scale and a good reputation when investing in the online loan platform, and pay attention to the income given by the platform when investing.

In fact, users can choose different products when investing in financial management, in addition to the products on the P2P platform, users can also choose **, **, **, **, etc., the rules of investment in different financial products are different when investing, and users had better understand in advance.

In the face of the epidemic in 2020, although the epidemic was gradually controlled in the second half of the year, everyone's life gradually returned to normal, and the P2P industry was still not better due to the impact of the epidemic.

Six first-line P2P platforms, including the well-known Building Block Box, Paipai Loan, Maverick**, Suijianji, Renren Jucai, and Micro Loan, have all announced their benign withdrawals in the first half of 2020. As another leader of the P2P platform, Ai Qianjin, although it was not announced to be benign withdrawn, it was also set up for investigation. With the passage of time, the amount of love money has shown a trend, and the total amount of borrowing is the sum of the previous ones.

At present, the P2P platform is in a downturn, only a few platforms continue to operate normally, and most of the remaining platforms have announced their own benign withdrawal or have been filed. ​

What is the difference between the platform that announces a benign exit and the platform that has been filed in terms of asset disposal?

As the birthplace of P2P, Shenzhen is also an important battlefield for P2P withdrawal, and the relevant departments of Shenzhen have issued guidelines on the benign exit of private online lending, which has played an important role in guiding and supervising the ebb of P2P. Although other regions have not issued relevant withdrawal policies, the major problem platforms have referred to the guidelines to study and solve problems. For example, the building block box and the micro-loan network, although they announced a benign exit on the platform, they were still filed by the police, which shows that the announcement of their benign withdrawal does not mean that they have successfully landed or that the platform does not involve criminal facts.

Two: If a benign exit is announced. There should be a clearing platform to lead the payment, and it is sufficient to supervise with the relevant platform; If the case is filed, the Qian Panpan team of the relevant department will enter the supervision and guidance, and the platform executives can only cooperate.

3. The platform that has filed a case may take longer to collect money than the platform that has withdrawn benignly. If the platform is declared to have filed a case, it may take two years for the lender to recover the money.

Fourth: the handling method is different, the platform that has been filed is much simpler to deal with the follow-up treatment of Bihao than the platform with a benign exit, and the lender only needs to actively cooperate with the investigation of the public security department, and wait for the notice of the relevant department in addition to the declaration according to the guidance of the public security department.

When you are a lender of a P2P platform, you must make capital contributions according to your actual situation to avoid a benign exit that cannot be redeemed.